Usalliance Federal Credit Union in Michigan vs the state
20.0%Denial rate+1.48 pts vs state
23.5%Decision denial rate+0.95 pts vs state
65.0%Origination rate+5.11 pts vs state
8.00%Median rate+1.25 pts vs state
1.77Rate spread (pts)+1.37 pts vs state
$162kMedian applicant income
13Loans originated
4Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 9 | 0.0% | 9.63% | #498 |
| 2024 | 14 | 10 | 14.3% | 9.19% | #461 |
| 2025 | 20 | 13 | 20.0% | 8.00% | #432 |
What Usalliance Federal Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 4 | 3 | 1 | 25.0% |
| Grand Traverse County | 1 | 0 | 0 | 0.0% |
| Wayne County | 1 | 1 | 0 | 0.0% |
| Genesee County | 1 | 1 | 0 | 0.0% |
| Benzie County | 1 | 1 | 0 | 0.0% |
| Livingston County | 1 | 1 | 0 | 0.0% |
| Clinton County | 1 | 0 | 1 | 100.0% |
| Macomb County | 1 | 1 | 0 | 0.0% |
| Otsego County | 1 | 1 | 0 | 0.0% |
| Washtenaw County | 1 | 1 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 20 applications in 2025, of which 13 were originated and 4 denied.
20.0% of all applications, or 23.5% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Usalliance Federal Credit Union originated in Michigan in 2025 was 8.00%, against a statewide median of 6.75%.
About this data. Figures are Usalliance Federal Credit Union's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology